Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

What happens if I under-insure/over-insure my vehicle?

If your vehicle is under-insured, you will be considered self-insured for the difference. For example, if your vehicle has been lost or damaged, you will only be partially compensated up to the Sum Insured you have chosen.

If you have over-insured your vehicle, you would have paid a higher but unnecessary premium. If your vehicle is over-insured when it was stolen and not found, we will settle your claim to cover the loss incurred up to the market value of your vehicle.

Recent FAQ

What are the additional benefits Total Assist offers for Cars?

With Total Assist, you are also entitled to the following benefits...

Motor Claims – General

How long do I have to make a claim?

You should contact us within 7 days of the date of accident/loss if you are not physically disabled...

What insurance products does P&O Insurance offer?

P&O Insurance offers a range of personal and business insurance...